Car Insurance Quotes for a Chrysler PT Cruiser

When the PT Cruiser launched in 2022, fans lined up around the block to own their own retro-designed wagon. Cheap and cute, many captivated drivers signed on to a waiting list. Car clubs started and enthusiasts tricked their PT Cruisers out with flames and loud sound systems.

Despite being the North American Car of the Year for 2001 by Car and Driver, the Chrysler PT Cruiser had its final run in the 2010 production year. It’s still an adequate vehicle, but you won’t be able to drive yours until you protect yourself with auto insurance. The cost for such coverage averages between $80 and $146 per month.

But those numbers are basic averages. Reach out to Freeway Insurance to learn how to get cheap car insurance for your needs and budget.

There are many different types of car insurance, such as comprehensive, liability, and uninsured motorist coverage. As you customize your plan and choose from among these options, your insurer will be able to determine your monthly premiums. These choices, along with your age, driving record, and other factors, will result in different pricing for your vehicle.

Full Coverage

If you want to get the best protection for yourself and your vehicle, ask your agent to give you a quote for a full coverage car insurance policy. Though this type of policy will cost you $146 per month on average, it covers you for damages you cause to others in a crash and your own vehicle as well. It will also protect you against theft, natural disasters, and other non-car-related damage.

State Minimum Liability

If you’re looking for a more affordable option, for an average of $80 per month, you can get minimum car insurance liability coverage. While this type of policy protects you if you cause injuries or damage to other vehicles in an accident, it won’t cover your car if you’re at fault.

Each state has its own requirement for this minimal coverage. For example, if you buy car insurance in Pennsylvania, you must obtain a minimum of $15,000 in bodily injury or death coverage and up to $30,000 per accident in case multiple people are injured. Additionally, Pennsylvania requires you to carry $5,000 in personal injury protection (PIP) and $5,000 in property damage liability.

A lot goes into what your monthly premiums will be. Here are some of the factors that affect the cost of your policy.

Driving Record

If you have a good driving record, insurers will view you as a low risk for future accidents and reward you with a good rate.

Driving Experience

New drivers with zero experience are considered a bit of a risk and will likely pay higher rates than experienced drivers. Statistically, drivers over the age of 60 are a slightly higher risk, and that will be reflected in the monthly premiums as well.

Where You Live

Every area has different accident and theft rates. Your zip code could make a huge difference in how much an insurer will charge you for a policy.

Getting convicted of drinking and driving is a costly ordeal. For starters, your insurer will require you to obtain high-risk driver coverage, which can get pretty expensive. In addition, you will most likely be hit with a traffic violation and possibly even have your car impounded, depending on the situation.

The Chrysler PT Cruiser is a compact SUV with a short 169” span. It was discontinued in 2010 after ten years on the market. This retro-style crossover provides owners with a comfortable ride and comes with many different configurations. Some models even included a convertible option, which is unusual for this class of vehicle.